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Lower Your Payment. Stay in Your Home.

If your mortgage is unaffordable or you’ve fallen behind, you may qualify for a loan modification—often without filing for bankruptcy. We help homeowners apply, negotiate, and deal with servicers who don’t play fair.

Our Services Include:

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  • Documenting and submitting modification requests

  • Working through court-ordered mediation (like DMM Portal)

  • Challenging dual tracking and bad-faith denials

  • Advocating for long-term solutions, not delays

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Don’t Wait for a Foreclosure Notice. Let’s Talk.

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We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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©2025 by Scott D. Bird, Attorney at Law

Mailing Address:

2603 NW 13th St., #188
Gainesville, FL 32609

 

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